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Debit Cards

Debit Cards

“NOW YOU CAN USE YOUR CONTACTLESS CARDS / KEYCHAINS FOR TAP & PAY TRANSACTIONS ABOVE Rs.5,000/- ALONG WITH PIN.”

* Important: At the time of issuing, all the debit cards will be enabled for using at ATMs and Point-Of-Sale terminals in India Only. Online transaction facility can be enabled through Internet Banking (Value Added Services Menu), IndOasis (Cards Menu) or through the branch, as and when required. Similarly, International transaction facility on International Cards can also be enabled or disabled at any time to safeguard from unauthorized transactions.

Please Scroll Down to View the Details of Number of Daily Transactions Permitted on Debit Cards.

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Facility to view Debit Card details is available in IndOasis Mobile App now !!!

RuPay Card Variants

IB RUPEE KEY – RuPay On-the-go smart keychain

RUPEE KEY

  • Keychain embedded with an NFC chip which connects with the card reader at the point of sale (POS) devices.
  • Customers can make contactless payments of amount up to Rs. 5000 without PIN.
  • Faster check outs at POS devices reducing wait in queues.
  • Rupay on-the-go keychain will be provided as an add on Card
  • Customers can manage the device using Indian Bank mobile banking application.
  • Customers can enable/disable the keychain as when needed for making payment.
  • Customers can set their own limits as per the requirement upto the default limit.
  • Keychain can be blocked immediately it is stolen/lost.

RuPay Platinum Card (Contact)

  • Usage limit of Rs.50,000/- in ATM and Rs.1,00,000/- in Point-of-sales
  • Insurance Cover for accidental death, airport lounge access and various other offers. For terms and conditions, visit https://www.rupay.co.in

RuPay Platinum Card (Contactless)

  • Usage limit of Rs.50,000/- in ATM and Rs.1,00,000/- in Point-of-sales
  • Airport lounge access, Insurance Cover for accidental death and various other offers. For terms and conditions, visit https://www.rupay.co.in
  • Facility of contactless POS purchases up to Rs.5000/-.
  • NCMC (National Common Mobility Card) supported wallet for offline transactions (Tap & Go).

 Rupay International Platinum card (Contact)

  • Usage limit of Rs.100000/- in ATM and Rs.200000/- in Point of sales.
  • Insurance Cover for accidental death, airport lounge access and various other offers. For terms and conditions, visit https://www.rupay.co.in
  • Airport lounge access and various other offers.
  • For International use at Select Countries. For list of countries, visit https://www.rupay.co.in

RuPay Debit Select Card(Contactless)


  • Top most variant of RuPay Cards
  • Usage limit of Rs.50,000/- in ATM and Rs.1,00,000/- in POS.
  • Joining benefits and Milestone based benefits
  • In built Insurance Cover of up to Rs.10 Lakhs
  • Higher transaction limits.
  • Airport lounge access and various other offers.
  • Facility of contactless POS purchases up to Rs.5000/- .
  • NCMC (National Common Mobility Card) supported wallet for offline transactions (Tap & Go).

Rupay classic contactless Card (NCMC)

  • Facility of contactless POS purchases up to Rs.5000/- .
  • Usage limit of Rs.25000/- in ATM and Rs.25000/- in POS.
  • Facility of contactless POS purchases up to Rs.5000/- .
  • NCMC (National Common Mobility Card) supported wallet for offline transactions (Tap & Go).
  • Lower Annual Maintenance Charges as Compared to Platinum Debit Cards
  • Insurance Coverage and Complimentary Airport Lounge Access are NOT available.

IB DIGI – RuPay Classic Card

  • RuPay debit cards issued for IB DIGI accounts opened through our website and IB Customer Mobile App
  • Usage limit of Rs.10,000/- in ATM and Rs.10,000/- in Point-of-sales.
  • Lower Annual Maintenance Charges as Compared to Platinum Debit Cards
  • Insurance Coverage and Complimentary Airport Lounge Access are NOT available.

IB DIGI- Rupay Classic Card (Contactless)


  • Rupay debit cards issued for IB DIGI accounts opened through our website and IB Customer Mobile App
  • Usage limit of Rs.10,000/- in ATM and Rs.10,000/- in Point of sales.
  • Facility of contactless POS purchases up to Rs.5000/- .
  • Lower Annual Maintenance Charges as Compared to Platinum Debit Cards
  • Insurance Coverage and Complimentary Airport Lounge Access are NOT available.

Senior Citizen Debit Card (Contact)

  • Special Debit Card for senior citizen customers with photo, blood group and Date of Birth affixed on the card.
  • Usage limit of Rs.25,000/- in ATM and Rs.50,000/- in POS.
  • No Annual Maintenance Charges.
  • Insurance Coverage and Complimentary Airport Lounge Access are NOT available.

PMJDY Card (Pradhan Mantri Jan Dhan Yojana) – Contact


  • Rupay card for PMJDY Account Holders
  • Usage limit of Rs.25,000/- in ATM and Rs.25,000/-in POS.
  • Over Draft in PMJDY accounts enabled for eligible accounts in ATMs.
  • Insurance Cover for accidental death. For terms and conditions, visit https://www.rupay.co.in
  • No Annual Maintenance Charges.
  • Complimentary Airport Lounge Access are NOT available.
  • Customer can generate Green PIN by Default for PMJDY Debit Cards.

 PMJDY Card (Pradhan Mantri Jan Dhan Yojana) – Contactless


  • Rupay card for PMJDY Account Holders
  • Usage limit of Rs.25,000/- in ATM and Rs.25,000/-in POS.
  • Over Draft in PMJDY accounts enabled for eligible accounts in ATMs.
  • Insurance Cover for accidental death. For terms and conditions, visithttps://www.rupay.co.in
  • Facility of contactless POS purchases up to Rs.5000/- .
  • Lower Annual Maintenance Charges as Compared to Platinum Debit Cards
  • Complimentary Airport Lounge Access are NOT available.
  • Customer can generate Green PIN by Default for PMJDY Debit Cards.

Kalaignar Magalir Urimai Thittam (KMUT) Scheme Cards – Contactless

  • Rupay Classic Debit Card for Beneficiaries of KMUT Scheme of Tamil Nadu Government
  • Daily Usage limit of Rs.10,000/- in ATM and Rs.10,000/-in POS.
  • Facility of contactless POS purchases up to Rs.5000/- .
  • Lower Annual Maintenance Charges as Compared to Platinum Debit Cards.
  • Insurance Coverage and Complimentary Airport Lounge Access are NOT available.

 RUPAY  KISAN CARD (Contactless)


  • Rupay Card for  Kisan account holders
  • Usage limit of Rs.10,000/- in ATM and Rs,15,000/-in Point of Sales.
  • Facility of contactless POS purchases up to Rs.5000/- .
  • No Annual Maintenance Charges.
  • Complimentary Airport Lounge Access are NOT available.

MUDRA Card (Micro Units Development and Refinance Agency)

  • RuPay card product for MUDRA loan customers in MSME segment
  • Usage limit of Rs.10,000/- in ATM and Rs.10,000/- in POS.

MasterCard Variants

MasterCard World (Contact)

  • International Debit Card with Wide acceptance globally
  • Usage limit of Rs.50,000/- in ATMs and Rs.1,00,000/- for Point-of-sales & online purchases
  • Complimentary Airport Lounge Access (Limited numbers, subject to availability).

MasterCard World Platinum (Contactless)

  • International Debit Card with Wide acceptance globally.
  • Usage limit of Rs.50,000/- in ATMs and Rs.1,00,000/-in POS & online purchases.
  • Facility of contactless POS purchases up to Rs.5000/- .
  • Complimentary Airport Lounge Access (Limited numbers, subject to availability).
    • MasterCard E – purse Debit Card

    • An award-winning* Platinum card product
    • Debit Card that acts like a wallet.
    • Can be gifted to family members as allowance / to manage budget
    • Apply through InternetBanking
    • Transfer amount from your account to e-purse card through InternetBanking/ IndOASIS
    • Won Banking Frontiers’ Finnoviti 2016 award and MasterCard award for best card innovation

    Daily Limit On Number of Transactions Permitted On Debit Cards

    No Type of Transaction Limit
    1 Domestic Other Bank ATM Cash Withdrawal 5 transactions / Day
    2 Domestic POS/E-Com transactions 10 transactions / Day
    3 International POS/E-Com transactions 5 transactions within 24 Hrs
    4 IRCTC Ticket Booking 4 transactions / Day
    5 Cash at POS and Purchase with Cashback transactions 3 transactions / Day

    ( Last modified on May 03, 2024 at 07:05:19 PM )

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